The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$38,203
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$39,391
−HK$1,208/mo
Today · 4.125%
HK$40,599
baseline
▲ 0.50% · 4.625%
HK$43,069
+HK$2,470/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$81,198/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$628,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,501
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$43,640
−HK$1,157/mo
Today · 4.125%
HK$44,797
baseline
▲ 0.50% · 4.625%
HK$47,158
+HK$2,361/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$89,594/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$628,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,844
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$47,270
−HK$1,448/mo
Today · 4.125%
HK$48,718
baseline
▲ 0.50% · 4.625%
HK$51,683
+HK$2,965/mo
Deposit HK$6.70M · loan HK$10.05M · min. income ≈ HK$97,436/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$628,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,001
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$52,368
−HK$1,388/mo
Today · 4.125%
HK$53,756
baseline
▲ 0.50% · 4.625%
HK$56,590
+HK$2,834/mo
Deposit HK$6.70M · loan HK$10.05M · min. income ≈ HK$107,512/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$628,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,484
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$55,148
−HK$1,690/mo
Today · 4.125%
HK$56,838
baseline
▲ 0.50% · 4.625%
HK$60,297
+HK$3,459/mo
Deposit HK$5.03M · loan HK$11.73M · min. income ≈ HK$113,676/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$628,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,501
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$61,097
−HK$1,618/mo
Today · 4.125%
HK$62,715
baseline
▲ 0.50% · 4.625%
HK$66,021
+HK$3,306/mo
Deposit HK$5.03M · loan HK$11.73M · min. income ≈ HK$125,430/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$628,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,766
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$70,905
−HK$2,173/mo
Today · 4.125%
HK$73,078
baseline
▲ 0.50% · 4.625%
HK$77,524
+HK$4,446/mo
Deposit HK$1.68M · loan HK$15.08M · min. income ≈ HK$146,156/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$628,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,501
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$78,553
−HK$2,081/mo
Today · 4.125%
HK$80,634
baseline
▲ 0.50% · 4.625%
HK$84,884
+HK$4,250/mo
Deposit HK$1.68M · loan HK$15.08M · min. income ≈ HK$161,268/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$628,270 · Scale 2, in force from 26 Feb 2026)